With 4 kids and a grandma who is a quilter, we use quilts extensively is modern and civil war life. All our quilts have cotton backs. If the weather is basically dry we just plop quilts on the ground. We haven't noticed any problems with staining, and these quilts are used for sleeping, eating, fort building, picnics, TV watching, etc. In other words, they get daily use. If we notice that they are dirty, we put them in the wash.
I received a quilt for my high school graduation. It went from daily use on my bed for about 5 years to occasional use for the last 12-ish. It has faded but is just now beginning to show fraying and some ripping on the quilt top. I gave it no special care.
This is just my opinion, but I'd make a 100% washable quilt with a mid colored back with a small print to hide the most stains. Frankly, I'd consider a similar strategy for the top because you know someone will walk on it with mucky boots.